Free credit monitoring

Monitoring your credit can help you detect possible identity fraud sooner and prevent surprises when you apply for credit.

Start monitoring your credit

No credit card required

What do you get with credit monitoring?

Stay on top of your credit

Your credit report is constantly being updated.

With access to credit monitoring, you can stay informed of any changes with an updated report every 30 days.

Monitor your spending

Know when your account balance changes.

You’ll be notified when your spending increases or decreases and when your credit utilization ratio changes.

Real-time alerts

Alert notifications when key changes occur.

Get customized alerts about new inquiries and accounts, changes in personal information and suspicious activity detected on your Experian credit report.

Credit score tracking

Get FICO® Score* tracking powered by Experian data.

With an interactive FICO® Score tracker, you can visualize your progress over time and get alerted about changes to your score or credit rating.

Online disputes

Easily submit and track disputes online.

Review and correct inaccuracies on your Experian credit report for free.

Raise your FICO® Score instantlyø

Get credit for your phone and utility bills.

Add positive payments to your Experian credit file with Experian Boost®. Missed payments will not affect your boosted score.

*Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more

øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.

Credit Advice

How does credit monitoring work?

Credit monitoring keeps a daily watch on your credit report for any changes that can be linked to fraudulent activity. It works by sending you alerts when there is suspicious activity or changes in your credit, making it easy for you to stay on top of your personal and financial information.

Why do I need credit monitoring?

Credit monitoring can help you spot inaccuracies in your credit report that could be the result of identity theft and negatively affect your score. Such negative impacts to your credit could lead to higher interest rates and even a credit card or loan rejection. Keeping track of the changes in your report can give you enough time to repair any issues that might be a factor when applying for new credit.

Monitoring your credit can help you better prepare for any planned big purchases and avoid surprises when you go to apply. Generally, it’s recommended to monitor your credit for at least three months before getting a mortgage or any large purchase. That way, you can ensure everything is in order and see what improvements you can make. It's also a good idea to check your credit after your large purchase to verify the accuracy and know the impacts to your credit.

What is the best way to monitor my credit?

You can check your credit yourself once a year by requesting a copy of your Experian credit report from Experian credit monitoring checks your Experian credit report daily for you and alerts you when there are any changes.

How do I monitor my credit report for identity theft?

Some red flags of identity theft include incorrect personal information, inquiries from lenders you don’t recognize, and new accounts you’ve never opened. Once you’ve identified the signs of fraud, you can quickly take the necessary steps to mitigate the damage.

Does credit monitoring hurt my credit score?

Credit monitoring will not affect your credit scores because you won’t incur hard inquiries. When you access your own credit report, it’s considered a soft inquiry which doesn’t lower your credit score as it’s not a scoring factor.

Start monitoring your credit today

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No credit card required